Which countries are covered by worldwide travel insurance?
Worldwide travel insurance can cover you for travel to almost anywhere in the world. Popular destinations you'll be typically covered for include:
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Europe
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Africa
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The Middle East
Depending on which type of travel insurance you choose, you might also be covered for travel to:
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Mexico
Healthcare in these places can be pricier than elsewhere, so world travellers insurance policies that include cover for them tend to cost more.
Worldwide insurance will also cover you for trips in the UK, but it might work out cheaper to buy just a UK travel insurance policy. If you're looking for single-trip worldwide insurance, annual worldwide insurance or backpacker travel insurance, and want to get cover for travel within the UK, make sure to list the UK as one of your destinations when getting a quote.
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1Correct as of April 2026
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How much is worldwide travel insurance?
What you pay for worldwide travel insurance depends on a number of factors. These can include:
| Destination | Cheapest premium2 |
|---|---|
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Worldwide inc. US, Canada and Caribbean
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£33.16
|
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Worldwide exc. US, Canada and Caribbean
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£22.59
|
2The cheapest price for worldwide annual travel insurance. Based on 1 adult aged 30 with no pre-existing medical conditions. Confused.com data, June 2026.
There are a few factors that can affect the cost of your travel insurance, including:
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Where you’re travelling to as the cost of healthcare in certain areas can be more expensive than others. This is why you’re often charged more for worldwide insurance that includes the USA, Canada, the Caribbean and Mexico.
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How long you’ll be away for can also affect the price, as the longer you’re normally away, the more you'll pay.
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Your age as the risk of you needing medical treatment goes up the older you get. For example, travel insurance for over 70s tends to cost a little more than insurance than younger travellers.
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Whether you have pre-existing medical conditions as you’ll need to tell us about pre-existing conditions when you get a quote for worldwide travel insurance.
Remember to buy your worldwide policy as soon as you book your trip, as this will ensure you're covered for any cancellations to your travel or accommodation from the day of booking. Plus, any cancellation cover will start from the day you choose your policy to start.
What type of worldwide cover do I need?
There are two main types of worldwide travel insurance to choose from:
Single-trip travel insurance may be the cheapest option if you’re only going on one trip during a 12-month period. You’ll be covered from when you leave until you get home. Although you’re only covered for a single trip, it doesn’t have to be for a single destination. You can travel to multiple places on single trip travel insurance as part of the same holiday.
Annual travel insurance can be cheaper if you’ll be going on more than one holiday during a 12-month period as it covers you for an unlimited number of trips. But annual multi-trip insurance only covers you for 31 days at a time during the 12 months, so it’s not suitable if you’re going to be taking longer trips.
If you're travelling for more than 31 days and want a slightly different type of cover, you may want to consider:
Backpacker insurance which will offer cover for a single-trip lasting several months. It's a good option if you're taking a gap year and looking to travel to several different countries.
Long stay travel insurance which provides cover for up to 18 months across different destinations.
There are also a range of add-ons you may be able to bolt on to your cover. These normally include:
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Adventure travel insurance that’ll cover you cover for risky activities like rock climbing and paragliding
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Ski insurance if you’re planning on hitting the slopes this winter
Getting a quote takes just a few minutes and best of all, will provide peace of mind knowing you have the right cover in place for your trip.
Other types of travel insurance to explore
Need more help?
Do I need worldwide travel insurance if I have a GHIC?
A GHIC (Global Health Insurance Card) is good to have but it doesn’t replace worldwide travel insurance. A GHIC gives you access to state medical care in the EU, so it won’t help you if you’re travelling outside Europe.
If you rely on the GHIC for medical treatment while travelling in the EU, it doesn’t mean there won’t be any medical bills to pay. With the GHIC, you pay the same as the locals: depending on the EU country, medical treatment may either be free or offered at a reduced rate.
Aside from limited medical treatment in the EU, the GHIC won’t provide any of the other benefits you get with worldwide travel insurance, including medical repatriation.
Does worldwide travel insurance cover Europe?
Yes. Worldwide cover will include Europe. You choose between worldwide cover including US, Canada, and the Caribbean or excluding the US, Canada and Caribbean. Whichever one you choose, you'll be covered for travelling in Europe as well.
Will worldwide insurance cover me for activities?
Activities such as paragliding and scuba diving will usually require specialist cover. Some less-risky activities such as golf may be covered, but only at a basic level. If you want cover for your clubs and other equipment, you'll need specialist golf travel insurance.
It's always best to check what activities are covered with your insurer before you to travel.
Are there any age limits for worldwide travel cover?
This depends on your insurer. Some will have limits set at 75, some will set an age limit at 80. Others may not have any age limits, but this could mean your policy is more expensive because you're seen as more of a risk by insurers, and you may have less choice if you're over 75 as well.
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